Regarding the Zelle versus Avail issue, I would advise choosing your battles wisely - as with many aspects of life.

Consider increasing rent, refinancing, or switching to a mid-term rental to improve cash flow.

Leverage Local ResourcesEconomic Development Grants: Check with your city or county for grants or incentives aimed at affordable housing or community improvement projects.Local Banks or Credit Unions: They may be more flexible than larger financial institutions, especially if your project aligns with community needs.Partnership with Nonprofits: Collaborate with organizations interested in affordable housing or sustainable living.4.

This is not a great return, but not terrible.As others noted, there are other risks, like having the property insured at full replacement or purchase price, or if the option is 100% seller financing with no money down or very little, versus 20% traditional down payment, this can start to move it into a better investment.

Actually we have divested 4 of our 8 Self storage locations to get into a better LTV position versus my view of the economic world.  

Willing to customize to tenant desires FOR A PRICE. obviously, some of the above is accomplished by the particular property you purchased; some by repairs, maintenance and improvements, and some by ongoing service commitment.   

You just have to be careful because some sales agents will just advise you to over improve the property because it makes their job easier.

If you have the cash to make a lump sum payment and are happy with your current loan terms, recasting could be a smart move to improve your financial flexibility.

Tonight I'm going to look over my statements versus our interactions and finally make the call.

I’m also based in California and invest in Detroit, where prices are far more reasonable, and there are still strong cash flow opportunities.Detroit has a solid rent-to-price ratio, improving economic fundamentals, and plenty of value-add potential if you have the right team in place.